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Frequently Asked Questions

  • + Why choose car finance with Group 1?

    With Group 1 car finance, you can benefit from:

    1. Brand-new cars from official retailers.

    2. Franchise retailers with expert teams.

    3. Convenient test drive locations across the South East.

    4. Your car can be delivered to your door, whether at work or at home.

    5. Panel of funders offering a wide range of finance solutions.

  • + How does car finance work?

    A car finance agreement with Group 1 allows you to rent a car of your choice throughout your contracted period. At the start of the contract, you will be required to pay an initial fee as a deposit, followed by monthly payments over 2 to 4 years. Once the contract has come to an end, you will be required to hand the vehicle back to your local Group 1 dealership, or you may have the opportunity to make a final balloon payment, which would give you full ownership of the car.

  • + What are the benefits of car finance?

    Getting a car through finance with Group 1 offers the following benefits:

    1. Build equity in the car.

    2. Nothing more to pay when the payments are complete.

    3. Sell the vehicle or trade it in for a new one.

    4. No loss of money due to depreciation.

    5. Low deposit and monthly payments.

    6. Low APR.

  • + Who qualifies for car finance?

    Car finance at Group 1 is open to everyone; however, whether you will be accepted or not is usually down to your credit score. Before you apply, it is worth checking your credit score as some of the cheaper finance offers are only available to people with excellent credit ratings. Having a good credit score is the easiest way to get accepted for car finance, but it's not the only way. At Group 1, we have access to specialist funders who work with those who have a poor to average credit. Your monthly fee will be higher because you are considered a higher risk. If you keep paying your monthly instalments on time, then your credit score will improve.

  • + How do you calculate monthly payments?

    The easiest way to calculate your monthly payments is to explore our new car offers, which will allow you to determine the best possible finance plans to suit you.